r/MachineLearning - [D] What happens when you pit an XGBoost model against a scorecard?

Anyone have any thoughts on when it's best to use se ML v. Scorecards? This blog compares predicted probabilities vs. observed proportions at the feature/predictor level. The example finds that the XGBoost model is consistently under-estimating good credit risk across all bins of this predictor while the risk Scorecard demonstrates less discrepancy between the estimated and observed outcome.